If you’re looking for an affordable personal loan with competitive rates, a SoFi Personal Loan could be the perfect fit. With low interest rates and a fully digital application process, SoFi stands out as a top choice—especially if you need fast access to funds. Here’s what you can expect.
Main Benefits
SoFi Personal Loans offer quick approval, often in as little as one day, and allow you to pre-qualify online with no commitment. This makes it easy to see if you’re eligible—without impacting your credit score.
When you take out a loan with SoFi, you also join a broader financial ecosystem. Members gain access to tools like custom loan simulators, plus services such as financial coaching, career support, exclusive member events, and discounts on other SoFi products.
With around 11 million members in 2025, SoFi is the largest online lender in the U.S., and has been named one of the best personal loan providers by multiple financial outlets. It’s a trusted, safe, and convenient option for borrowers seeking flexible funding.
Membership Benefits
One of the standout features of SoFi is the SoFi Membership, which gives customers access to a wide range of premium perks and financial advantages.
Members enjoy unlimited inquiries across multiple credit lines with no extra fees, plus 1% reward points when depositing into a SoFi savings account. After one year, members also earn 1.5% cashback on interest paid. Other benefits include:
- Double reward points on qualifying activities;
- Prime rates on savings accounts;
- Up to 3.80% APY on Savings and Vaults;
- Discounts on student loans and other financing;
- 0.25% interest rate discount on new personal loans;
- Special rate reductions for student loan refinancing;
- Up to $1,000 off closing costs on eligible mortgage loans.
Plus, members get VIP access to exclusive events focused on personal finance and development, including express entry and lounge access at SoFi Stadium.
